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Both invest for you automatically. Here's how Betterment and Wealthfront compare on fees, minimums, tax-loss harvesting and cash.
| Betterment | Wealthfront | |
|---|---|---|
| Advisory fee | $5/month, or 0.25%/yr with $24,000+ or $200+/mo recurring deposits; Premium 0.65% | 0.25%/yr |
| Minimum to start | No minimum balance | $500 (Automated Investing Account, per Wealthfront support) |
| Tax-loss harvesting | Yes, included | Yes, daily, all taxable accounts, no extra charge |
| Cash account APY | Cash Reserve: 4.25% APY including a 0.75% boost (variable) | Cash Account: 3.55% base APY (as of 10/01/2026); 0.65% boost for new clients for 3 months |
Sources: Betterment page (checked 2026-10-12) · Wealthfront page (checked 2026-10-12)
More on Betterment · More on Wealthfront · All robo-advisors
Advisory fee: Betterment $5/month, or 0.25%/yr with $24,000+ or $200+/mo recurring deposits; Premium 0.65%, Wealthfront 0.25%/yr; Minimum to start: Betterment No minimum balance, Wealthfront $500 (Automated Investing Account, per Wealthfront support); Tax-loss harvesting: Betterment Yes, included, Wealthfront Yes, daily, all taxable accounts, no extra charge; Cash account APY: Betterment Cash Reserve: 4.25% APY including a 0.75% boost (variable), Wealthfront Cash Account: 3.55% base APY (as of 10/01/2026); 0.65% boost for new clients for 3 months.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.